Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.03, read 2026-11-02
Ethical does not pass the values gate
Price54.98 USD
Fair value55.00
Ethical score64.7/100
Value readFairas of 4 Nov 2026
Our investment reviews on this name
2026-10-02Read Accumulation54.68+0.5% to today ✓Markup gives way to Accumulation after a 29% rise in 10 weeks
2026-07-24Read Markup42.42+29.6% to today ✓Distribution gives way to Markup after a 25% rise in 3 weeks
2026-07-02Read Distribution33.93+62.0% to today First review on file: Distribution
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
CBIZ, Inc. holds its Accumulation at $54.98. The statistical read favours the sellers, held for 46 days.
As held on the ledger · 2026-11-04
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 46 days
Price at the screen
$54.98
Valuation
23.10 trailing · 12.31 forward price to earnings
Values screen
FAIL· score 64.7
Beta
0.88
The Workings
Five Screens, Shown in Full
Does not pass. Debt ratio
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
41.47%
Below 33%
Interest-bearing debt is 41.5% of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
11.06%
Below 49%
Money owed to the company is 11.1% of assets, under the 49% limit.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
CBIZ,'s business is in a permissible area, but its interest-bearing debt is about 41% of the company, well over the ~33% line, so it does not pass on the financial screens.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when CBZ's ethical verdict changes
Today CBZ does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Fair vs our fair value, as of 4 Nov 2026: 1.20% revenue growth.
Fair value range in USD, drawn from the 2026-11-04 screen. The gold marker is the market price at the same screen. A 0.0% discount to the base estimate.
Reading the gap · Our model and the Street both land near the screened price: fairly valued, with no strong edge either way.
Where our models see it going: fair-value estimate $55.00, with a range of $55.00 to $109.96, dated to the 2026-11-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Steady services firm offers almost no upside
When a company grows revenue by just one percent a year, a forward earnings multiple of 9.4 times can look cheap without being cheap at all. CBIZ supplies accounting, tax and insurance services across the United States and Canada, yet the numbers show profit margins of six percent and return on equity of only eight percent.
Why we pass. Our fair value sits just six percent above the current price, which delivers no real margin of safety and earns an opportunity rating of none despite a clean ethical screen. Analyst targets hover around forty four dollars, but that still leaves little room once the slow top line is taken into account.
Risk sits in the modest returns and thin growth that could leave the shares drifting sideways for years. Low multiples on uninspiring businesses often prove to be value traps rather than bargains.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
CBZ trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-04Accumulation$54.98+0.2%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41.
2026-10-28Accumulation$54.85+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Accumulation$54.85+0.0%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-26Accumulation$54.85+0.0%Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Accumulation$54.85+0.0%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading neutral. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Accumulation$54.85+0.0%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading neutral. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Accumulation$54.85+0.0%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading neutral. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Accumulation$54.85+0.2%Entry 9
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading neutral. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Accumulation$54.73-0.2%Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 37% above its long-term trend line with momentum reading neutral. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Accumulation$54.82+0.3%Entry 7
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 0.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 52%. Our forward projection puts the odds of a 10% gain over the next month near 16%. The street (4 analysts) rates it none, with a mean price target of $41.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
